Bank of America·$550/year·Visa Infinite·Federal Insurance Company (Chubb)
Our Verdict · Travel Insurance
Primary CDW. No emergency medical. Here's what that gap actually costs at $550 a year. The Bank of America Premium Rewards Elite card travel insurance benefits cover trip cancellation, trip interruption, trip delay, baggage delay, and lost luggage, but there is no standalone emergency medical benefit abroad. The Travel and Emergency Assistance line provides referrals and coordination, not reimbursement. A single ER visit in Europe or Asia averages $15,000 to $60,000. Standalone travel medical insurance covers emergency care from $100,000 per person for international trips. The gap: $100,000 of exposure, unprotected. If you travel internationally without employer health coverage that extends abroad, this is the dimension that matters most on this card. The $2,500 trip cancellation cap adds a second concern worth understanding before you book a $6,000 trip.
Every score is derived from official bank documents: terms and conditions, benefit guides, and claim procedures. No commercial relationship influences our ratings.
Travel Insurance · 11 guarantees
Trip cancellation reimburses the common carrier passenger fare when you must cancel before departure for a covered reason, up to $2,500 per person. Covered reasons include illness or injury of the cardholder or an immediate family member, death, severe weather, jury duty, and military orders. The common carrier ticket must be charged to the Bank of America Premium Rewards Elite card.
Recommended : $10,000
No emergency medical coverage. The Travel and Emergency Assistance service provides referrals and coordination only. It does not pay or reimburse medical bills. All emergency medical costs abroad are the cardholder's responsibility. A single ER visit in Europe or Asia typically runs $15,000 to $60,000.
Emergency evacuation covers expenses up to $50,000 when injury or illness during a covered trip requires emergency transport to the nearest appropriate hospital or back to your residence. Repatriation of remains is covered separately up to $1,000. The trip must be 5 to 60 consecutive days and at least 100 miles from your home. Pre-authorization by Card Benefit Services (1-800-508-1276) is required before any transport is arranged. Coverage is excess over other insurance. Underwritten by Indemnity Insurance Company of North America.
Trip interruption covers the common carrier passenger fare when a covered trip must be cut short after departure, up to $2,500 per person. Same covered reasons as trip cancellation: illness, injury, death, severe weather, jury duty, and military orders.
Recommended : $10,000
Trip delay covers reasonable additional expenses when a covered trip is delayed more than 6 hours or requires an overnight stay, up to $500 per purchased ticket. The entire ticket must be charged to the card. Covered expenses: meals, lodging, and incidental transportation. Coverage is per ticket: a two-ticket itinerary yields up to $1,000 total.
No separate missed connection benefit. If a delay causes a missed connection, eligible expenses are covered under the trip delay benefit ($500 per ticket after 6 hours). Last-minute rebooking fees on a missed international connection can run $300 to $800 beyond what trip delay covers.
No standalone early return home benefit beyond what trip interruption covers for common carrier tickets. Additional transportation costs from cutting a trip short, beyond the interrupted common carrier fare, are not separately reimbursed.
Baggage delay covers emergency purchases of essential items when checked baggage is delayed or misdirected by a common carrier for more than 6 hours. Reimburses up to $100 per day for up to 5 days ($500 total maximum). Covered: toiletries, clothing, and one charger per electronic device. Coverage is excess over any other applicable insurance.
Lost luggage reimbursement covers the difference between the value of your claim and the common carrier's payment, up to $3,000 per trip. Both checked luggage and carry-on baggage are covered when lost due to theft or misdirection by the common carrier. Coverage is secondary to the carrier's own liability payment.
Travel accident insurance provides up to $1,000,000 in accidental death or dismemberment (AD&D) coverage while traveling on a common carrier. The entire common carrier fare must be charged to the card. Coverage applies while boarding, in-flight, and disembarking a covered common carrier. Underwritten by Federal Insurance Company (Chubb).
No hotel theft protection. Personal belongings stolen from your hotel room are not covered by this card. Electronics and valuables left in a hotel room can total $1,000 to $3,000 with no recourse if stolen.
We source benefits from official card guides, but PDFs are sometimes hard to obtain or update. Spotted something off?
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Side-by-side comparison
Same 5 coverage dimensions, ranked head-to-head against the cards most Premium Rewards Elite shoppers also consider.
| Card | This card Premium Rewards Elite Bank of America · $550/yr 3.2/5? | Ritz-Carlton Chase · $450/yr 3.6/5? | Sapphire Reserve Chase · $795/yr 3.9/5? | |
|---|---|---|---|---|
Trip cancellation Per person, per trip cap | $2,500 per person Common Carrier fare only | $10,000 per person All prepaid travel (hotels + flights) | $10,000 per person 13 covered reasons | |
Emergency medical Hospital bills abroad | Not covered Cover this gap → | $2,500 Reimbursement only, $50 deductible | $2,500 | $50 deductible $50 deductible | |
Emergency evacuation Air ambulance + repatriation | $50,000 Pre-authorization required | $100,000 Pre-authorization required | $100,000 | pre-auth required Pre-authorization required | |
Trip delay trigger Hours before benefits kick in | 6h / $500/ticket Trigger: 6 hours or overnight | 6h / $500 Trigger: 6 hours or overnight stay | $500 after 6 hours Trigger: 6 hours | |
Trip interruption Covered amount | $2,500 per person Common Carrier fare only | $10,000 per person All prepaid travel covered | $10,000 per person Shared limit with cancellation |
Data verified against each card's Guide to Benefits, May 2026.
Real experiences on travel protection and claims 52 reviews
Bogleheads forum
Trip delay covered hotel and dinner without hassle
Was surprised my hotel and train tickets were covered after a flight disruption: the trip delay coverage kicked in at 6 hours and reimbursed our dinner and hotel without hassle. Submitted receipts online through Card Benefit Services. Approval came in about two weeks. Exactly what you expect from a $550 annual fee card.
Physician on FIRE
The $50K emergency evacuation is the real value for remote travel
The $50K emergency evacuation and medical coordination via Card Benefit Services is the real value here for anyone who travels to remote areas. Pre-authorization is required before transport, which can feel stressful in an emergency. Save the number in your phone before you travel. For serious international travelers, this benefit gives real peace of mind.
Bogleheads forum
$2,500 trip cancel cap feels backwards at $550/year
Paying $550 a year for only $2,500 trip cancel feels backwards: the cheaper Premium Rewards gives you $5,000. You're really paying for the CDW primary coverage and the lounges, not the trip insurance. If trip cancellation is your priority, this card is not the right tool.
US Claims and Assistance
1-800-508-1276
24/7
International Assistance
collect: +1-804-673-6498
Collect calls accepted · 24/7
Benefit administrator: Card Benefit Services (Broadspire, a Crawford Company) for all benefits: CDW, Trip Cancellation, Trip Delay, Baggage Delay, Lost Luggage, Emergency Evacuation, Travel Accident, Purchase Security, Extended Warranty, Return Protection | Underwriters: Federal Insurance Company (Chubb) for Travel Accident and Trip benefits | Indemnity Insurance Company of North America for Emergency Evacuation
Claims & pre-authorizations
How to file a Bank of America Premium Rewards Elite claim
Step 1: Notify Card Benefit Services immediately
Call 1-800-508-1276 (US) or collect 1-804-673-6498 (international) as soon as the incident occurs. For emergency evacuation, this call must happen before any transport is arranged or coverage may be denied. For baggage delay, written notice must reach the administrator within 20 days. For trip cancellation and travel accident, notify within required timeframe. For purchase security, extended warranty, and return protection, notify within 60 days of the loss or product failure.
Step 2: Gather your documentation
For trip cancellation or interruption: card statement or travel itinerary confirming the charge, physician statement or official documentation of the covered reason, confirmation of non-refundable amounts, and carrier cancellation or refund documentation. For emergency evacuation: medical bills, transportation bills, physician statement of necessity, original unused return tickets. For baggage delay: Common Carrier ticketing proof, receipts for essential items purchased. For CDW: accident report, rental agreement, repair estimate, photographs, police report if applicable. For purchase security: sales receipt, police report for theft, repair estimate if damaged.
Step 3: Submit documents within the deadline
Emergency evacuation: submit within 180 days. Baggage delay: submit within 90 days. CDW: submit within 365 days. Trip cancellation and travel accident: submit within 90 days. Purchase security and extended warranty: submit within 90 days of loss or product failure. Mail documents to Card Benefit Services, P.O. Box 72034, Richmond, VA 23255. Claims typically finalized within 60 days of receiving complete documentation. File the day the incident happens.
Premium Rewards Elite is a strong choice — but depending on what you prioritize, one of these may suit you better.
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